BlastPoint's Banking Scorecard
QNB Bank
Designations: ✓ Community bank
Quakertown, PA
18 branches across PA
QNB Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.13% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 21.2% in tier
- - Flatlined Growth: Bottom 32.0% in tier
- - ROA 0.57% below tier average
- - Net Interest Margin 0.77% below tier average
- - Efficiency Ratio 7.24% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+1.4% YoY
+0.8% QoQ
|
-$916.0M |
$2.8B
-0.1% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$1.3B
+5.9% YoY
+1.7% QoQ
|
-$690.4M |
$2.0B
+0.6% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
46% |
| Total Deposits ? |
$1.7B
-0.6% YoY
+0.7% QoQ
|
-$688.2M |
$2.3B
-0.3% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
0.79%
+12.3% YoY
-18.3% QoQ
|
-0.57% |
1.37%
+19.6% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
3.05%
+10.8% YoY
+1.1% QoQ
|
-0.77% |
3.82%
+6.9% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
19% |
| Efficiency Ratio ? |
68.30%
+2.7% YoY
+10.1% QoQ
|
+7.24% |
61.06%
-4.6% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
26% |
| Delinquency Rate ? |
0.75%
+4.9% YoY
+7.5% QoQ
|
-0.13% |
0.89%
+14.1% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
77.00%
+6.6% YoY
+1.0% QoQ
|
-7.20% |
84.20%
+0.3% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
11.44%
-6.7% YoY
-1.9% QoQ
|
-9.85% |
21.29%
-2.5% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.51%
+9.6% YoY
+8.5% QoQ
|
-0.17% |
0.67%
+15.6% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
13.25%
-0.9% YoY
-1.9% QoQ
|
-1.91% |
15.16%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.10%
+12.3% YoY
-74.2% QoQ
|
-0.16% |
0.26%
+1.6% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
32% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.